Explore healthcare options with JHN Finance Insurance's health insurance market! Various healthcare products available in both Minnesota and Missouri. See what fits you and inquire about professional direction today to receive assistance on making the decisions that matter the most! JHN FINANCE Healthcare Market Shop healthcare plans are get started on your quote for coverage quickly! GET A QUOTE Medical Insurance Products & Providers Medical Insurance Products range from Medicare Advantage to Business Health Plans. Shop below and decide upon which products may fit your needs. Note that products are regional specific. Medica Individual, Family, SHOP, Medicare Advantage, PDP Plans LEARN MORE (Minnesota) MNsure Eligible HUMANA Medicare Advantage, Dental, Vision LEARN MORE (Missouri) Delta Dental Dental, Vision, Group Dental, Group Vision (Minnesota) MNsure Eligible LEARN MORE AETNA Individual, Family, SHOP, Medicare Advantage, PDP Plans LEARN MORE (Minnesota | Missouri) AFLAC Medical Supplemental (Medigap), Final Expense LEARN MORE (Missouri) Ameritas Dental, Vision, Group Dental, Group Vision LEARN MORE (Minnesota | Missouri) Healthspring | Cigna Medicare Advantage, PDP Plans LEARN MORE (Minnesota | Missouri) Coverage Being Requested Select an option Full Name Date of Birth * required Phone Number ZIP Code SUBMIT An error occurred. Try again! Successful Submission! Learn About Different Healthcare Plans MEDICARE ADVANTAGE INDIVIDUAL & FAMILY Group Health Plans (Business Health) FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Protect your future with Value+ Protector annuities from Corebridge Financial. Offered by JHN Finance Insurance in Minnesota and Missouri, these fixed indexed annuities provide growth potential and principal protection. About Value+ Protector III Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Value+ Protector III Infograph Product Thesis Value+ Protector III is a flexible Index Universal Life (IUL) insurance policy designed to serve a dual financial purpose: it secures a legacy for loved ones through a guaranteed death benefit while simultaneously functioning as a versatile financial asset for the policyholder during their lifetime. By leveraging index crediting strategies, the policy offers the potential for cash value growth linked to market performance without exposing the policyholder to direct market losses, thereby providing a "living benefit" that can be used for supplemental income, chronic illness expenses, or emergency needs. Detailed Analysis of the Thesis To understand the complete scope of Value+ Protector III, the topic can be broken down into three core strategic pillars: Protection, Accumulation, and Flexibility. 1. Protection: The Foundation of Security At its core, Value+ Protector III is a life insurance product intended to protect beneficiaries against the financial impact of the insured’s death. Guaranteed Coverage: The policy includes a guaranteed death benefit that extends to age 90, ensuring that coverage remains in force provided premiums are paid and no material changes or excessive withdrawals occur. Chronic Illness Safety Net: The protection extends beyond death. Through the optional Accelerated Access Solution (AAS) rider, the policy acts as a financial shield against chronic illness. If certified as chronically ill, the policyholder can accelerate a portion of the death benefit to cover care costs or lost income, receiving these payments typically free of federal income tax. Return of Premium: Recognizing that financial needs change, the policy includes a rider that allows for the return of premiums paid if the policyholder outlives their insurance needs and chooses to surrender the policy for other uses. 2. Accumulation: Growth Without Market Risk The "Value" component of the product refers to its ability to build cash value over time, distinguishing it from term insurance. Index Crediting Strategies: As an IUL, the policy allows the cash value to grow based on the performance of specific market indices. However, the money is not invested directly in the market. Instead, the policy credits interest based on these strategies, allowing the policyholder to capture potential market upside. Volatility Protection: A central thesis of this product is risk mitigation. It offers protection against market downturns because the policyholder does not own shares in a fund; therefore, while they can gain interest from rising markets, they avoid the direct losses associated with negative market performance. Excess Cash Value: If the index strategies perform better than expected over a 20-year period (or until age 85), the policyholder may be able to withdraw "excess cash value" without reducing the initial life insurance guarantee. 3. Flexibility: Accessing "Living Benefits" The product is marketed with the philosophy that life insurance should help the policyholder "keep moving forward" while they are still alive. Liquidity: The accumulated cash value is accessible through withdrawals or policy loans. This capital can be used for virtually any purpose, such as supplementing retirement income, funding a business, paying for education, or covering emergencies. Loan Options: The policy offers three types of loans—Standard (Fixed), Preferred, or Participating—giving the owner control over how they access their equity. These loans can potentially be income tax-free and do not require a repayment plan. Beneficiary Payment Options: The policy allows the owner to structure how beneficiaries receive the death benefit. Instead of a mandatory lump sum, the payout can be structured as installments (via the Select Income Rider) or a combination of both. This can help beneficiaries manage the assets and may lower policy costs, which enhances cash value growth. Conclusion Value+ Protector III is defined by its ability to mitigate two distinct types of risk: the risk of dying too soon (addressed by the death benefit) and the financial risks of living a long life (addressed by cash value accumulation and chronic illness protection). It posits that modern life insurance should not be a static asset but a dynamic financial tool that minimizes market volatility while providing liquidity for life’s unexpected turns. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Skip the confusing healthcare websites. Let our expert brokers find the perfect Individual & Family health insurance for your budget in MN & MO. Zero fees! About Individual & Family Health Plans Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Individual & Family Health Plan Infograph Product Thesis What Are Individual & Family Plans? Individual and family health insurance plans are policies you purchase for yourself or your family, rather than receiving coverage through an employer. These plans cover essential health benefits, protect you from unexpected medical bankruptcies, and ensure you have access to preventative care to keep your family healthy. What Do These Plans Cover? Under the Affordable Care Act (ACA), the comprehensive plans we help you select are required to cover essential health matters, including: Preventative & Wellness Services: Annual check-ups, immunizations, and screenings. Emergency Services & Hospitalization: Protection against the high costs of unexpected accidents or illnesses. Prescription Drugs: Coverage for generic and brand-name medications. Maternity & Newborn Care: Care before and after your baby is born. Mental Health & Substance Use Disorder Services: Including behavioral health treatment and counseling. Why Choose JHN Finance for Your Health Coverage? "We don't work for the insurance companies. We work for you." Skip the Headaches: Healthcare.gov and state exchange websites can be overwhelming. We streamline the process. You complete a JHN Application, and we handle the complex enrollments and renewals from there. A Broker Who Knows Your Name: When life happens, you shouldn't have to explain your situation to a different call-center representative every time. You get a dedicated JHN Finance expert in your corner year-round. When Can You Enroll? Open Enrollment: Typically runs from November 1st through January 15th each year. This is when anyone can apply for or change their coverage. Special Enrollment Periods (SEP): If you experience a qualifying life event—such as losing employer coverage, getting married, having a baby, or moving—you may be eligible to enroll outside of the standard open enrollment window. GET THIS COVERAGE PROVIDERS FOR THIS PRODUCT Available in Minnesota EXPLORE THIS PROVIDER NEXT FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Get permanent protection without the complexity. Pacific Venture UL 2 offers no-lapse guarantees up to age 90. Consult JHN Finance Insurance in MN and MO today! About Pacific Venture UL 2 Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Venture UL 2 Infograph Product Thesis Pacific Venture UL 2 is a flexible premium universal life insurance policy designed for affluent individuals and business owners who require death benefit protection combined with the potential for cash value accumulation. The product distinguishes itself through high customizability, offering three distinct coverage configurations that allow policyholders to prioritize either early-year cash surrender values, long-term performance, or a balanced approach. Additionally, it provides robust living benefits through optional riders for chronic illness and long-term care, alongside standard no-lapse guarantees. Detailed Product Analysis 1. Target Market and Primary Objectives The policy is specifically tailored for business or affluent clients who need flexible death benefit protection to replace lost income, facilitate business succession, or manage estate taxes. It is also suitable for those with supplemental retirement income needs or legacy planning goals. The product structure supports various strategies, including executive retention plans and premium financing. 2. Customization of Coverage and Cash Value Strategy A core feature of the Venture UL 2 is the ability to select one of three "Coverage Types" at the time of issue, which cannot be changed later. This allows the client to align the policy’s mechanics with their specific financial horizon: Focus on Early-Year Liquidity: This option utilizes the SVER-3 Term Insurance Rider to increase the ratio of cash surrender value to premiums paid in the early years. This design is particularly useful for premium financing and business-sponsored designs where early exit strategies may be necessary. Focus on Long-Term Performance: This option utilizes the Long-Term Performance Rider (LTPR) to maximize non-guaranteed performance over a longer duration. It is designed for those prioritizing supplemental retirement income or death benefit-focused cases with shorter premium durations. Balanced Approach: This serves as a middle ground, balancing early-year liquidity with long-term accumulation potential. 3. Accumulation and Interest Crediting The policy offers attractive cash value potential by crediting a current declared interest rate, which is currently 5.8%. This current rate is guaranteed throughout the first policy year, while the policy maintains a guaranteed minimum interest rate of 1% for the life of the contract. 4. Protection Guarantees Pacific Venture UL 2 includes substantial safeguards against policy lapse: Standard No-Lapse Guarantee: Eligible policies automatically include a no-lapse guarantee up to age 90, ensuring coverage remains in force regardless of interest crediting, provided the specific no-lapse premiums are paid. Optional Lifetime Guarantee: For an additional cost, clients can elect a Flexible Duration No-Lapse Guarantee Rider, which extends protection up to the insured's lifetime. 5. Living Benefits and Riders The product offers extensive options for managing health-related financial risks through three specific rider choices: Premier LTC Rider: Provides reimbursement for qualified long-term care expenses with a monthly indemnity benefit. Premier Chronic Illness Rider: Offers benefits if the insured cannot perform two of six activities of daily living, without requiring a permanent condition (except in specific states like CA where availability differs). Premier Living Benefits Rider 2: Accelerates the death benefit for chronic conditions expected to be permanent, with no upfront cost. Additional riders include a Terminal Illness Rider and Overloan Protection 3 Rider, the latter of which helps prevent lapse on policies with large outstanding loans. 6. Policy Charges and Access to Capital Cost Structure: Policyholders are subject to a premium load (currently 5.20% for non-qualified premiums), monthly administrative charges ($10), cost of insurance charges, and coverage charges that apply for specific durations based on the coverage type selected. Surrender Charges: These apply if the policy is surrendered within the first 10 years. Liquidity: Policyholders can access cash value via tax-free loans and withdrawals. The policy offers a low annual net loan cost of 0.25% in years 1-5 and 0% in years 6+ on a current basis. Conclusion Pacific Venture UL 2 is a "venturous" financial tool that moves beyond simple death benefit protection by integrating investment-like accumulation features with insurance guarantees. Its primary thesis is flexibility: it allows the insured to tailor the cost structure and accumulation curve (early vs. long-term) to match specific business or personal financial planning cycles, while providing a safety net through no-lapse guarantees and chronic illness riders. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Lock in high guaranteed rates with American Pathways Fixed Annuities by Corebridge Financial. Secure your principal with JHN Finance Insurance in MN & MO today! About American Pathways Fixed Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. AP Fixed Annuity Infograph Product Thesis The American Pathway fixed annuity series functions as a risk-averse retirement strategy designed to mitigate market volatility and longevity risk by providing guaranteed principal protection, fixed interest accumulation, and tax-deferred growth, while trading immediate liquidity for secure, long-term income streams. Detailed Synthesis To support this thesis, the American Pathway products are structured around three core pillars: financial stability independent of the stock market, tax-advantaged accumulation, and distinct product variations tailored to specific time horizons and income needs. 1. Stability and Market Independence The primary value proposition of the American Pathway series is the decoupling of retirement assets from stock market performance. Principal Protection: These annuities provide a guaranteed fixed rate of interest, ensuring that the contract value is not negatively impacted by market downturns. Guarantees: Unlike bank deposits, these are not FDIC insured; rather, all guarantees regarding interest and income payments are backed solely by the claims-paying ability of the issuing insurance company, American General Life Insurance Company (AGL). Predictable Returns: The products offer specific "interest rate guarantee periods." For example, the Fixed 5 and Fixed 7 products allow clients to lock in rates for one, three, five, or seven years, while the VisionMYG offers guarantees extending up to 10 years. 2. Tax Efficiency and Accumulation The product line emphasizes the power of tax deferral to accelerate asset growth compared to taxable accounts. Compound Growth: Taxes on interest earnings are deferred until withdrawal, allowing the money that would have been paid in taxes to remain in the account and earn interest. Tax-Advantaged Distributions: Upon annuitization (converting the contract to an income stream), a portion of each payment is considered a tax-free return of principal (for non-qualified contracts), rather than fully taxable income. 3. Product Variations and Customization The "American Pathway" brand encompasses different annuity structures designed to meet varying liquidity and income goals: American Pathway Fixed 5 & 7: These are single-premium deferred annuities suited for short-to-medium-term accumulation (1 to 7 years). They offer an optional "return-of-premium" guarantee, allowing the return of the initial investment minus net withdrawals at any time, though this feature results in a lower interest rate. American Pathway VisionMYG: Geared toward longer-term accumulation, this Multi-Year Guarantee (MYG) annuity offers rate locks for 4 to 10 years. It features a distinct withdrawal charge schedule that declines over 10 years. Deferred Income Annuity: This product focuses on longevity protection rather than accumulation. It converts a lump sum into a guaranteed future income stream, with options to defer payments for up to 30 years. It includes flexibility features like the "Income Start Date Adjustment," allowing the owner to accelerate or defer the start of payments once within a five-year window. 4. Liquidity Constraints and Costs While offering security, the thesis must acknowledge the liquidity trade-offs inherent in these contracts. Access Limitations: The products are long-term vehicles. While they allow for "penalty-free withdrawals" (typically the interest earned or 15% of the contract value annually), withdrawals exceeding these amounts are subject to withdrawal charges. Market Value Adjustment (MVA): For the Fixed 5, Fixed 7, and VisionMYG annuities, withdrawals made during the guarantee period that exceed the penalty-free amount may be subject to an MVA. This adjustment can decrease the withdrawal amount if interest rates have risen since the contract was issued. Exceptions: To mitigate liquidity risks, the contracts include waivers for terminal illness or extended care, allowing withdrawal charges to be waived under specific severe health conditions. Conclusion In summary, American Pathway fixed annuities constitute a conservative financial instrument. They are engineered for individuals prioritizing the security of principal and guaranteed income over the potential for higher, riskier market returns, accepting restricted liquidity and surrender charges in exchange for protection against market losses and outliving one's assets. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Maximize early-year liquidity with Pacific Horizon ECV IUL. Ideal for business planning & premium financing in MN or MO. Get expert advice at JHN Finance Insurance. About Pacific Horizon ECV IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon ECV IUL Infograph Product Thesis The Pacific Horizon ECV IUL serves as a dual-purpose financial instrument that integrates flexible life insurance protection with distinct cash accumulation strategies; it achieves this by leveraging volatility-controlled indexing—specifically the BlackRock Endura® Index—to mitigate market downside risks while utilizing high participation rates and the optional Enhanced Performance Factor Rider (EPFR) to maximize upside potential in uncapped crediting environments. Detailed Analysis To fully support this thesis, the topic must be broken down into its four primary pillars: the underlying insurance structure, the volatility control methodology, the specific crediting accounts, and the performance enhancement mechanics. 1. The Underlying Structure: Flexible Protection The Pacific Horizon ECV IUL is defined as "Flexible Premium Indexed Adjustable Life Insurance". Its primary function is to provide a death benefit that is generally income tax-free to beneficiaries. However, unlike traditional term insurance, it is designed for cash value accumulation that can be used for supplemental retirement income or business asset protection,. Flexibility: Policyowners can adjust premium payments and face amounts, subject to certain limits and approvals,. Protection: The policy includes a guaranteed floor, ensuring that the cash value is protected from index-based losses (though it is still reduced by policy charges). 2. The Engine: The BlackRock Endura® Index A central differentiator of this product is its reliance on the BlackRock iBLD® Endura® VC5.5 ER Index (referred to as the BlackRock Endura® Index). This index is designed to provide more consistent returns than traditional stock indexes by using daily volatility controls. Composition: The index allocates assets between two specific iShares® Exchange Traded Funds (ETFs): iShares Edge MSCI USA Min Vol Factor ETF (USMV): Focuses on equities. iShares 1-3 Year Treasury Bond ETF (SHY): Focuses on short-term U.S. Treasury bonds. Methodology: The index utilizes a "Simple, Strategic, and Steady" approach. It monitors market signals daily; when markets are volatile, it shifts exposure toward bonds/cash, and when markets are favorable, it shifts exposure toward equities. The goal is to mitigate downside risk while capturing growth. 3. The Strategy: Volatility Control Indexed Accounts (VCIA) The Pacific Horizon ECV IUL utilizes "Volatility Control Indexed Accounts" (VCIA) which credit interest based on the performance of the BlackRock Endura® Index. These accounts are distinct from traditional indexed accounts because they feature no growth cap, allowing for potentially higher returns during strong market performance. The product offers two primary VCIA options: 1-Year High Par Volatility Control Indexed Account: This account credits 200% of the index's performance (with a guaranteed minimum of 25%). 1-Year Volatility Control Indexed Account: This account credits 180% of the index's performance (20% guaranteed minimum) but includes an additional fixed account benefit of 0.40%. Thesis Connection: These accounts support the thesis by demonstrating how the policy leverages the stability of the Endura Index (low volatility) to offer high participation rates (180–200%) without placing a ceiling (cap) on the earnings. 4. The Accelerator: Enhanced Performance Factor Rider (EPFR) To further amplify the "upside potential" mentioned in the thesis, the policy offers an optional Enhanced Performance Factor Rider (EPFR) at policy issue. This rider multiplies the interest credited to the policy’s indexed accounts by a "Performance Factor". Design Options: The rider allows the policyowner to toggle between three designs annually: Classic: No rider charge and a performance factor of 1.0 (standard performance). Performance: A moderate monthly charge (annualized approx. 4.98%) for a higher performance factor (current factor 1.91 in years 10–20),. Performance Plus: A higher monthly charge (annualized approx. 7.50%) for the highest performance factor (current factor 2.36 in years 10–20),. Risk vs. Reward: The EPFR introduces a risk/reward trade-off. While it increases the potential crediting rate, the rider charges are deducted regardless of market performance. If the rider charges exceed the segment indexed interest credit, the policy’s accumulated value will decrease. Conclusion The Pacific Horizon ECV IUL is a complex financial tool designed for policyowners seeking to balance safety with aggressive growth potential. By integrating the BlackRock Endura® Index, the policy minimizes exposure to extreme market volatility, while the uncapped Volatility Control Indexed Accounts allow owners to participate in 180% to 200% of that index's growth. The Enhanced Performance Factor Rider further serves as a lever for the policyowner to exchange higher fixed costs for significantly multiplied market-linked returns. Thus, the product functions as a strategic hedge, protecting the "bottom line" through guaranteed floors while attempting to outpace traditional returns through high-participation indexing. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

The IUL for people who love guarantees. Get death benefit protection & competitive cash growth with Pacific Trident IUL at JHN Finance Insurance (MN & MO). About Pacific Trident IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Trident IUL Infograph Product Thesis The Pacific Trident IUL is a flexible premium indexed universal life insurance policy designed for affluent individuals and business owners that seeks to balance death benefit protection with high early-year cash value liquidity and market-linked growth potential. Its core value proposition lies in its ability to offer the upside potential of stock market indices protected by a 0% floor, combined with specific riders—most notably the Limited Return of Premium Guarantee Rider—that mitigate financial risk in the early years of the policy, making it particularly suitable for premium financing and corporate-sponsored plans. 1. Core Structure and Investment Mechanics The policy functions as a universal life chassis that allows for flexibility in premium payments and death benefits while providing potential for cash value accumulation. Indexed Crediting: The policy does not invest directly in the stock market; rather, it credits interest based on the performance of indices such as the S&P 500®, MSCI EAFE, and EURO STOXX 50®. Account Options: Policyowners can allocate funds between a Fixed Account (guaranteed minimum 1% crediting rate) and eight different indexed accounts. These include 1-Year, 2-Year, and 5-Year terms, as well as "Flex" and "Plus" accounts that utilize different caps, participation rates, and segment adjustment factors to tailor interest potential. Downside Protection: A fundamental feature is the guaranteed floor of 0% on all indexed accounts, ensuring that the cash value is never reduced due to negative index performance, though it remains subject to policy charges. 2. Strategic Guarantees for Liquidity and Security A defining characteristic of the Pacific Trident IUL is its focus on guaranteed cash surrender values, which addresses the liquidity risks often associated with early policy years. Limited Return of Premium Guarantee Rider (LROPG): This optional rider is specifically designed for designs like premium financing or corporate-owned life insurance. It guarantees that the cash surrender value will be at least 85% of premiums paid (less debt) if the policy is surrendered within the first 10 years, provided minimum premium requirements are met. No-Lapse Guarantees: The policy includes a Short-Term No-Lapse Guarantee (4 to 20 years) at no additional cost. For extended protection, an optional No-Lapse Guarantee Rider is available to ensure the death benefit remains in force for up to the insured's lifetime, regardless of cash value performance. 3. Flexibility for Personal and Business Planning The Pacific Trident IUL is engineered to adapt to changing financial needs, serving as both a protection instrument and a financial asset. Access to Cash Value: Policyholders can access accumulated value through tax-free withdrawals and loans. The policy offers Standard Loans (with a guaranteed interest spread) and Alternate Loans (linked to indexed returns), as well as an Overloan Protection Rider to prevent lapse due to excessive borrowing. Health-Related Benefits: The policy offers optional riders for Chronic Illness (Premier Living Benefits Rider 2) and Long-Term Care (Premier LTC Rider), allowing the acceleration of death benefits to cover qualifying care expenses. Business Applications: The policy is explicitly marketed for executive benefit plans, such as endorsement split-dollar arrangements, where a business pays premiums and retains access to cash value as a corporate asset while the executive's beneficiary receives the death benefit. 4. Target Market and Risks The product is tailored for "affluent individuals and businesses" seeking high guaranteed cash values and the certainty of guarantees alongside indexed potential. Suitability: It is appropriate for those considering supplemental retirement income, corporate-sponsored plans, or premium financing strategies. Cost Considerations: The policy incurs various monthly charges, including administrative fees, cost of insurance, and charges for optional riders. While the 0% floor protects against market loss, cash value can still decrease due to these policy deductions. Lapse Risk: If premiums are insufficient or if the Net No-Lapse Guarantee Value hits zero, the policy may lapse, potentially requiring significant additional premiums to reinstate. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Secure your retirement with American Pathways Immediate Income Annuities from Corebridge. Get protected growth & lifetime income with JHN Finance Insurance in MN & MO. About American Pathways Immediate Income Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. AP Immediate Annuity Infograph Product Thesis The American Pathways Immediate Annuity is a single-premium financial vehicle designed to convert capital into a guaranteed, immediate income stream through customizable Single or Joint Life payout options, while distinguishing itself from traditional rigid annuities by offering specific liquidity features—such as Commutation Withdrawal and Advance Payment—that allow policyholders to access future guaranteed payments under strict contractual valuation formulas and eligibility requirements. Detailed Analysis and Support 1. Core Structure and Purpose The primary function of this product is to secure guaranteed income by exchanging a single lump-sum premium for payments that begin between 30 days and 13 months after the contract takes effect. The annuity is "non-participating," meaning it does not pay dividends, and it is backed solely by the claims-paying ability of the issuing companies, American General Life Insurance Company (AGL) or The United States Life Insurance Company in the City of New York (US Life),. 2. Customization of Income Streams The contract offers flexibility in how income is distributed to match the policyholder's needs. Single Life Options: An individual may select "Life Only" for maximum income until death, or "Life with 10 Years Certain," which guarantees payments to a beneficiary if the annuitant dies within the first decade. Joint Life Options: Couples may select "Joint and Survivor" plans where payments continue to a survivor at 100%, 75%, or 50% of the original amount, often combined with a "Period Certain" to ensure a minimum number of payouts regardless of early death. Payment Adjustments: Payouts can be designed to remain level or decrease upon the death of the primary annuitant. 3. Liquidity and Access to Capital Unlike many immediate annuities that irrevocably lock away principal, this product includes specific mechanisms for accessing funds: Commutation Withdrawal Benefit: Owners can receive a lump sum equal to the present value of remaining guaranteed payments, though this is restricted to "period certain" payments and cannot be used for life-contingent payments,. Exercising this option terminates the specific payments being commuted. Advance Payment Option: Policyholders over age 59½ may request a lump sum equal to the next six months of payments. This feature can be exercised twice during the life of the annuity. 4. Valuation and Costs of Liquidity The thesis emphasizes that liquidity comes with specific valuation rules that may affect the withdrawal amount. Commutation Calculation: The lump sum for a commutation withdrawal is determined by a "Commutation Interest Rate," which is calculated using a specific Moody’s corporate bond yield average plus a spread ranging from 10 to 50 basis points depending on the contract year. Interest Rate Risk: Because the payout is based on present value, a higher Commutation Interest Rate results in a lower lump sum payment to the policyholder. Tax Consequences: Withdrawals are treated as ordinary income for tax purposes and may be subject to a 10% federal penalty if taken before age 59½,. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Boost your retirement potential with Pacific Horizon IUL. Get tax-free income & market-linked growth with JHN Finance Insurance. Serving Minnesota & Missouri. About Pacific Horizon IUL 2 Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon IUL 2 Infograph Product Thesis Pacific Horizon IUL 2 is a flexible premium indexed universal life insurance policy designed to serve as a dual-purpose financial instrument: it provides essential death benefit protection while simultaneously functioning as a tax-advantaged accumulation vehicle for supplemental retirement income. The product distinguishes itself by offering cash value growth potential linked to major market indices—without direct market exposure—secured by downside protection against market losses, and customizable through riders that enhance performance or guarantee coverage duration. 1. The Core Strategic Concept: "The Missing Asset" The product is positioned not merely as insurance, but as a "missing asset" in a diversified retirement portfolio, specifically designed to address risks such as insufficient income, tax uncertainty, and market volatility. Tax Diversification: Unlike 401(k)s or traditional IRAs, which are taxed upon distribution, Pacific Horizon IUL 2 offers tax-deferred accumulation and the potential for tax-free distributions through policy loans and withdrawals, provided the policy is structured correctly and remains in force. Sequence of Returns Risk Mitigation: The policy is engineered to protect retirement income against the "sequence of returns risk," where market losses early in retirement can deplete assets. By using a 0% guaranteed floor, the policy prevents the cash value from dropping due to negative index performance, effectively decoupling the asset's preservation from market crashes. 2. The Mechanics of Growth: Indexed Accounts The policy accumulates cash value by crediting interest based on the performance of external indices, yet does not directly invest in the stock market. Index Options: Policyowners can allocate cash value to various accounts tied to indices such as the S&P 500®, the BlackRock iBLD Endura® VC 5.5 ER Index, or the Invesco QQQ®. Crediting Methods: Interest is credited to "Segments" (created by transfers from the Fixed Account) over specific terms (e.g., 1, 2, or 5 years). Caps, Floors, and Participation Rates: Growth is limited by "caps" (a maximum interest rate) or "participation rates" (the percentage of the index gain credited), but strictly protected by a 0% guaranteed floor, ensuring that negative index performance does not reduce the accumulated value. 3. Performance Enhancement: The EPFR A defining feature of the Pacific Horizon IUL 2 is the optional Enhanced Performance Factor Rider (EPFR). Function: This rider is designed to amplify the policy’s indexed interest crediting potential. It applies a "performance factor" that multiplies the segment indexed interest credit. Designs: There are four designs—Classic, Plus, Performance, and Performance Plus—which vary in their cost and potential return. While the "Classic" design has no rider charge, the more aggressive designs (Performance and Performance Plus) incur an asset-based charge to leverage higher potential returns. Risk/Reward: While the EPFR increases upside potential, the associated rider charges are deducted regardless of index performance. In years of 0% growth, the rider charge will reduce the cash value, meaning the policy can lose value due to fees even if the index floor protects against market loss. 4. Liquidity and Access The policy offers substantial liquidity, allowing the owner to access cash value for retirement or other needs through multiple methods: Withdrawals: Owners can withdraw up to the amount of premiums paid (tax basis) tax-free, though this reduces the death benefit. Loan Options: The policy offers three distinct loan types: Standard Loans: A fixed interest rate charged and credited. Fixed Charge Indexed Loans: The loaned amount remains in the indexed account earning index-linked returns, while a fixed interest rate is charged. Indexed Loans: Similar to the above, allowing for arbitrage where the credited interest from the index may exceed the loan interest charged. 5. Cost Structure and Risks While offering accumulation potential, the Pacific Horizon IUL 2 carries specific costs and risks that must be managed to maintain the policy. Front-Loaded Costs: The policy incurs high acquisition costs in the early years. For example, in one illustration, policy charges in Year 1 amounted to 32.40% of the accumulated value, but dropped to 1.23% by Year 10. Lapse Risk: If the Net Accumulated Value is insufficient to cover monthly deductions (Cost of Insurance, Administrative Charges, Rider Charges), the policy enters a Grace Period and will lapse if sufficient premium is not paid. Lapse Protection: To mitigate this, the policy includes No-Lapse Guarantee Riders (e.g., coverage to Age 90 or Lifetime) which prevent the policy from lapsing as long as specific premium requirements are met, regardless of cash value performance. Conclusion Pacific Horizon IUL 2 allows high-net-worth individuals to utilize life insurance as a flexible financial chassis. It trades the unlimited upside of direct market investment for a structured environment of capped growth with guaranteed downside protection, all wrapped within a tax-favored distinct legal contract. Its success as a "missing asset" in retirement planning relies on the consistent funding of premiums, the management of policy charges, and the strategic selection of indexed accounts and performance riders. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Capture market gains without the risk. Explore Power Protector Index Annuities by Corebridge Financial with JHN Finance Insurance. Secure your future in MN or MO. About Power Protector Annuity Products Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Power Protector Annuity Infograph Product Thesis The Power Series of Index Annuities, issued by Corebridge Financial, is designed as a hybrid retirement solution that addresses the specific risks of market volatility, inflation, and longevity by combining the safety of principal protection with the potential for tax-deferred, index-linked growth and customizable, guaranteed lifetime income streams. Detailed Analysis The Power Series acts as an insurance instrument rather than a direct stock market investment, structured to bridge the gap between asset accumulation and secure income distribution through three primary mechanisms: 1. Principal Protection Through the "Power of Zero" The foundational thesis of this product line is the mitigation of "sequence of returns" risk—the danger of suffering market losses just before or during retirement. Downside Protection: The annuities utilize a "Power of Zero" strategy, ensuring that if the linked index performs negatively, the interest credited is 0%, but the principal is not reduced by market losses. This protects the portfolio from emotional decision-making and mathematical recovery time required after significant market drops, such as the "Lost Decade" of 2000–2010,. Guaranteed Floor: The product guarantees that the contract value will never decline due to market fluctuations, though it may be reduced by withdrawals or rider fees,. 2. Growth Potential via Diversified Indexing Strategies While protecting principal, the annuities aim to outpace inflation and fixed-income instruments like CDs by linking interest credits to the performance of external market indices,. Tax Deferral: Unlike taxable investments, earnings in these annuities are not taxed until withdrawn, allowing for potentially faster compound growth. Crediting Methods: Growth is calculated using various methods, including Index Rate Caps (a maximum limit on returns), Participation Rates (a percentage of the index's return), and Performance-Triggered Rates (a flat rate credited if the index is positive or flat),. Sophisticated Index Options: Beyond the standard S&P 500®, the Power Series offers access to multi-asset, volatility-controlled indices designed to provide consistent returns in varying market conditions: AQR DynamiQ Allocation Index®: Uses a multi-style approach (value, momentum, carry, defensive, trend) to diversify across global equities and fixed income,. Merrill Lynch Strategic Balanced Index™: Dynamically rebalances between equities and fixed income (Treasury futures) with a cash component to manage volatility,. PIMCO Global Optima Index®: Uses a "smart beta" approach to blend global equities and U.S. fixed income, targeting upside potential with daily risk management,. 3. The "Lifetime Income Choice®" Strategy For the "Plus Income" versions of the product (e.g., Power 7 Protector Plus Income), the thesis shifts from accumulation to income security. The Guaranteed Living Benefit (GLB) rider converts the accumulated assets into a predictable "paycheck" for life,. Guaranteed Income Base Growth: Prior to activating lifetime income, the "Income Base" (a calculation figure, not cash value) is guaranteed to grow by a 9% Income Credit annually for up to 10 years,. Flexibility in Payouts: Upon activation, policyholders can choose between two strategies: Max Income: Offers a higher initial withdrawal rate (up to 11% for age 75+), ideal for early retirement spending. If the contract value depletes, the income drops to a lower "Protected Income Payment Percentage",. Level Income: Provides a steady, consistent withdrawal rate (e.g., 8.5% for age 75+) that does not change even if the contract value drops to zero,. Enhanced Income Benefit: The rider includes a feature that can double the annual income amount for up to five years if the policyholder is confined to a nursing home or qualified facility, providing a hedge against long-term care costs. Conclusion The Power Series of Index Annuities posits that a successful retirement portfolio requires a foundation that eliminates the risk of loss while retaining the ability to capture market upside. By offering no-cost annuitization or fee-based guaranteed living benefits, the product allows retirees to transfer the risk of outliving their savings to the insurance company, ensuring financial certainty regardless of market performance or lifespan. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Provide your heirs with tax-free liquidity for estate taxes. Explore Pacific Life’s Survivorship IUL with JHN Finance Insurance in MN or MO. Secure your wealth. About Pacific Horizon Survivorship IUL Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Pacific Horizon Survivorship IUL Infograph Product Thesis Pacific Life’s Horizon Survivorship Indexed Universal Life (IUL) is a flexible premium, last-survivor insurance product designed to insure two lives under a single policy, paying a death benefit only upon the passing of the surviving insured. This financial instrument is engineered to provide liquidity for estate planning, tax liability management, and wealth transfer while offering cash value accumulation potential linked to market indices. The policy distinguishes itself through a "volatility control" strategy—utilizing the BlackRock Endura® Index and an optional Enhanced Performance Factor Rider—to offer upside growth potential while protecting the policyholder from index-based losses via a guaranteed 0% floor. Detailed Analysis of the Topic 1. Core Structure and Purpose The Horizon Survivorship IUL is fundamentally a "second-to-die" policy. Unlike traditional life insurance that pays out on the first death, this policy remains in force until the death of the second insured. Target Audience: It is traditionally used by married or unmarried couples with substantial assets to offset federal/state estate taxes or to equalize inheritance among heirs (e.g., when business assets cannot be easily divided). Cost Efficiency: It provides cost-efficient protection for two lives, making it particularly useful for partners with significant age or health differences. Financial Utility: Beyond death benefits, the policy serves as a vehicle for potential tax-free supplemental retirement income through loans and withdrawals from the accumulated cash value. 2. Cash Value Accumulation and Indexing The policy allows the owner to allocate premiums to specific accounts that credit interest based on external market performance, without directly investing in the stock market. Indexed Accounts: Interest credits are linked to the performance of major indices, including the S&P 500®, Invesco QQQ®, and the BlackRock iBLD Endura® VC 5.5 ER Index. Volatility Control: A distinct feature of this product is the inclusion of Volatility Control Indexed Accounts. These accounts track the BlackRock Endura® Index, which dynamically adjusts allocations between U.S. equities and Treasuries to reduce losses during market downturns. Downside Protection: The policy includes a guaranteed "floor" of 0%. This means that even if the underlying index performs negatively, the credited interest rate will not be less than zero, protecting the cash value from investment loss (though policy charges will still reduce the value). 3. The Enhanced Performance Factor Rider (EPFR) To potentially increase accumulation, the policy offers an optional rider called the Enhanced Performance Factor Rider (EPFR) available at issue. Function: This rider applies a multiplier (Performance Factor) to the indexed interest credit. Design Options: Policyowners can choose between three designs: Classic: No additional rider charge and a performance factor of 1.0 (standard performance). Performance: Moderate monthly charge for a higher performance multiplier. Performance Plus: Higher monthly charge for the highest potential performance multiplier. Risk: While the EPFR increases upside potential, the associated monthly charges are deducted regardless of performance. If the rider charges exceed the interest credited, the policy’s accumulated value will decrease, potentially increasing the risk of lapse. 4. Flexibility and Policy Riders The Pacific Horizon Survivorship IUL is designed to adapt to changing life circumstances through various riders and provisions: Policy Split Option: Allows the policy to be split into two individual policies (one on each life) in the event of divorce or significant changes to federal estate tax laws. No-Lapse Guarantee: Ensures the policy remains in force for a specific duration (up to the younger insured's lifetime) regardless of cash value performance, provided the "no-lapse guarantee value" remains positive. Surrender Enhancement: An optional rider that increases the cash surrender value in the early years of the policy, providing greater financial flexibility if the policy needs to be surrendered early. Conversion: In policy year eight, the coverage may be converted to a new product without new underwriting or surrender charges. 5. Policy Mechanics and Charges Premiums: The policy utilizes flexible premiums, allowing the owner to adjust payments within certain limits (Guideline Premium Test or Cash Value Accumulation Test) to maintain the policy’s tax-qualified life insurance status. Death Benefit Options: The policy offers different death benefit options (e.g., Option A or B), which can be changed once per policy year. Charges: The policy incurs monthly deductions, including Cost of Insurance (COI), administrative charges, coverage charges, and applicable rider charges. These charges reduce the accumulated value. Loans and Withdrawals: Owners can access cash value through standard policy loans or withdrawals. While generally tax-free, these actions reduce the death benefit and cash value, and excessive borrowing can cause the policy to lapse. 6. Risks and Considerations Lapse Risk: If the accumulated value (less debt) becomes insufficient to cover monthly deductions, the policy will enter a grace period and may lapse (terminate with no value) if sufficient premiums are not paid. Modified Endowment Contract (MEC): If premiums are paid too rapidly (exceeding the "7-pay limit"), the policy may be classified as a MEC, resulting in less favorable tax treatment for withdrawals and loans. Market Caps: While there is a 0% floor, growth is often subject to "Caps" or "Participation Rates" that limit how much of the index's gain is credited to the policy. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .

Guaranteed Universal Life (GUL) from Corebridge Financial: Lifelong security with a guaranteed death benefit. Secure your family's future today. About Secure Lifetime GUL 3 Insurance Product Available in Minnesota and Missouri Watch this demonstration video crafted with the help of Google AI technology. Secure Lifetime GUL 3 Infograph Product Thesis Secure Lifetime GUL 3 is a guaranteed universal life insurance policy designed to provide tax-advantaged, lifelong protection that serves dual purposes: securing a guaranteed death benefit for beneficiaries and offering "living benefits" that allow the insured to access policy funds during their lifetime for chronic illness or retirement income. Issued by American General Life Insurance Company and The United States Life Insurance Company in the City of New York (under the marketing name Corebridge Financial), the policy is structured around three central pillars: guaranteed protection, financial flexibility, and living benefits. 1. Guaranteed Protection and Tax Advantages The core function of Secure Lifetime GUL 3 is to lock in a death benefit that is guaranteed regardless of the policy’s cash value performance, provided the required premiums are paid. The proceeds from this death benefit are generally tax-free under current federal income tax law, ensuring that families, businesses, or charitable interests are protected. Furthermore, the policy offers guaranteed minimum cash values, adding a layer of asset stability. 2. Flexible Structure and Premium Control The policy is designed to be tailored to the specific budget and timeline of the policyholder. It empowers the insured to: Customize the coverage period: Choose the specific age or number of years the death benefit is guaranteed. Structure premium payments: Options range from paying over the life of the policy to paying additional premiums to shorten the payment period or pre-funding the coverage entirely. Exit strategies: If coverage needs change, the policy includes a "Guaranteed Return of Premium" feature. Policyholders can surrender the policy in year 20 to receive 50 percent of premiums paid, or in year 25 to receive 100 percent of premiums paid (capped at 40% of the face amount). 3. Living Benefits: "Life Insurance You Don’t Have to Die to Use" A defining thesis of this product is its utility while the insured is still alive. Through specific riders, the death benefit can be accelerated to provide supplemental income: Accelerated Access Solution®: If the insured suffers from a qualifying chronic illness, this rider allows access to the tax-free death benefit through monthly payments to cover costs without restriction. Lifestyle Income Solution®: Designed for longevity, this rider allows the insured to translate their death benefit into a stream of supplemental income beginning at age 85, which can be used for any purpose. In summary, Secure Lifetime GUL 3 functions as a customizable financial instrument that guarantees a tax-free legacy for beneficiaries while simultaneously acting as a potential funding source for the insured's own health or retirement needs. BACK TO PRODUCTS GET THIS COVERAGE Rate This Product Let us know what you think about this product. Add a rating 1 star 2 stars 3 stars 4 stars 5 stars NEXT Your Review has been Submitted! FAQs CARRIERS Health Insurance Medicare Advantage Prescription Drug Plans Medicare Supplements Aetna Humana Aflac Pacific Life Ameritas Delta Dental Aflac Corebridge Financial ABOUT US CONTACT (612)268-1231 jhnfinance@jacobhollingsworth.net PO Box 27503 Golden, Valley, MN. 55427 JHN FINANCE Jacob L. Hollingsworth Jacob Hollingsworth Network Currently we represent 3 organizations which offer various PPO, HMO, PDP, MAPD, MA products in Missouri & Minnesota. Please note that we do not represent or provide plans for all available coverage options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a registered Agency with the National Insurance Producer Registry (NIPR). Jacob Hollingsworth Network Corporation, DBA JHN FINANCE©️ is a Registered Residential Insurance Agency in the states of Minnesota and Non-Residential Agency in the state of Missouri. JHN EXCLUSIVE™️ Logo is the exclusive property Trademark of Jacob Hollingsworth Network Corporation©️ in the state of Minnesota, and may not be used, distributed, or otherwise commercialized without the expressed written consent of Jacob Hollingsworth Network Corporation, or Jacob L. Hollingsworth©️ .